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  • Increased Cash Flow
  • Your Money - Better Terms
  • Repayment up to 84 months

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Author Negociate. Screenshot of Negociate website.
[Accessed May 9, 2023]

About Negociate

Negociate offers transformative financial solutions.

They focus on giving you exceptional monetary value by providing the best service through their range of debt solutions. These solutions are designed to complement your current financial lifestyle and condition. They take satisfaction in being a company that offers you solutions to your everyday financial worries.

A variety of features to choose from

Negociate is made up of six sectors which represent an array of services and functions. Their mission is to offer you expert financial services by making use of the latest technologies. They place emphasis on figuring out a better way to do things, especially as the finance world is changing and evolving at such a rapid pace.

Extensive research, best decisions

Negociate ensure that your desires are met by being supportive, responsive, and respectful. Through their extensive research in the finance market, you’re sure to get the best decisions possible when consulting with them. They’ll always ensure that they treat you fairly and take ownership of their work.

Negociate goes above and beyond for you

  • They offer tips, advice, and necessary tools to help you manage your money, savings, and debt.
  • They assist you to budget properly, so you can obtain long financial well-being.
  • They help you by identifying, evaluating, and mitigating your debt.
  • Offer yearly financial reviews to keep you up to date with your finances and how far you’ve reduced your debt.
  • Ascertains that all financial transactions are done accordingly by following the organisation's policies promptly.

Score yourself freebies with Negociate

Negociate provide you with a free debt review assessment which decides if you qualify or not. You’ll also get a free copy of your credit report, as well as a complete overview of how the process works. This stage is very important as it determines if you qualify to undergo debt review.

Negociate Services

To begin your debt review journey, a consultant will help you get familiar with the entire process and will also ensure to address all your debt review concerns and queries.

To help you keep your finances in order, Negotiate doesn’t include upfront fees and charges for the debt review assessment, meaning you’ve everything to gain and nothing to lose.

How Negociate is changing the financial market

  1. Customer empowerment. They’ve incorporated a variety of credit solutions to help you not be hindered by a credit deficit. They empower you by supporting your financial growth and giving you financial advice and support, so you can get out of debt.
  2. Traditional customer service. Mixing the traditional way of providing customer service with a new and improved version. You’re also assigned a relationship manager who figures out what credit solution you need.
  3. Honest and easy payment terms. Negociate is committed to making the debt review process easy while being honest with you. No charges are made on applications and assessment fees under the credit solutions category. If you pay off your debt early, you can benefit from reduced fees.
  4. A quick application process. They have a fast application which ensures you receive your approval status in 24 to 48 hours. If you’re approved, you begin paying a reduced monthly repayment while improving your cash flow.

With debt review, anyone can be eligible to apply, even when your creditworthiness seems to count against you. However, there are some vital components that need to be considered before going through the application process.

What are the minimum requirements?

  1. You need to be employed or earn an income, for example self-employed, pension, etc.
  2. If married in the Community of Property, your spouse needs to also go through the process. This is non-negotiable.
  3. If married out of the Community of Property, then your spouse needs to consider being a part of the process. Another option would be to disregard the bond; however, this means you won’t get the advantage of getting a reduced instalment and interest fees.
  4. Affordability. You should have sufficient funds after paying all your basic expenses in order to pay the new payment arrangement.
  5. Your expenses should not be greater than your income.
  6. Be in possession of a South African bank account which your salary/income gets paid into. You’ll be requested to submit your bank statements.

Negociate – Debt Counselling

  • Loan Type Debt Review
  • Repayment 84 months

Benefits of Negociate

  • Lower interest rates
  • Increase your cash flow
  • A simple online application

The first step starts with completing the debt assessment

The first step is filling in the debt assessment form. You’ll only be regarded as someone undergoing debt review once you’ve been declared over-indebted and have completed the necessary forms.

If there’s another option in place for you, the Negociate Debt Solutions team discusses it with you after you’ve completed the assessment.

Important details to fill in

  • Your full name and surname
  • Email address
  • Contact details
  • Marital status
  • How much are you left with after deduction
  • You and your spouse’s expenses
  • What’s your outstanding debt in total
  • Combined debt instalment
  • I.D. number

Switch to an easy and affordable repayment plan

Imagine a life where you can be free from debt just by lowering interest rates and instalments, even when your credit rating has been badly affected. This is possible. Debt review is an affordable and easy way of settling your debt. Negociate Credit Solutions can assist you in achieving this.

  1. Easy to navigate application. It takes you a minute or less to complete the debt review form, and you can get approved in 24 hours.
  2. Reduced repayments. With debt review, you get one simple and affordable monthly repayment package that includes a fixed interest rate.
  3. Flexible payment terms starting from 12 to 60 months that can help you save.
  4. Structured instalments giving you a clear indicator of how much you’ll be paying every month as you’re under debt review.
  5. Positive cash flow meaning as you’re under debt review your instalments are low making you have more cash to spend on your essentials in life.

Negociate Contact

Physical Address

  • Maxwell Office Park, Building 4, Magwa Cres, Waterfall City Midrand 2090 South Africa
  • Get Directions

Opening Hours

  • Monday 08:00 – 17:00
  • Tuesday 08:00 – 17:00
  • Wednesday 08:00 – 17:00
  • Thursday 08:00 – 17:00
  • Friday 08:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed